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I want to get this game.  I've been reading this thread a bit and I have two questions:

1. Is there no great advantage to pumping up your luck score?  I want to have a rich ass character with tons of loot to...I dunno make into weapons or trade or sell, what's possible?  If you multi with people and one has a high luck, what happens?  Can you trade loot?

2. I'm noticing mostly melee-type characters getting mentioned.  Is it possible to rock out a heavily focused magic user?  How bout a Magic/Faith caster with kind of an even split?

Thanks.